Fidelity United Car Insurance in UAE: Compare & Buy Online
Flexible installments to pay later with
And
Regulated by the Government of Dubai
Compare Fidelity United car insurance quotes in the UAE, review comprehensive and third-party options side by side, and choose the policy that fits your car, budget, and coverage needs. Buy your plans online through Lookinsure and split your payment into 4 installments with Tabby or Tamara where available.
Quick Overview of Fidelity United Car Insurance
Fidelity United offers motor insurance in the UAE for drivers looking for more than a basic price comparison. Its car insurance structure is especially relevant for users who want practical day-to-day benefits, optional add-ons, and more control over how much support they include in their policy.
Depending on the selected plan and quote configuration, Fidelity car insurance UAE may include or support:
- Comprehensive and third-party liability options
- Own-damage protection for eligible comprehensive plans
- Third-party bodily injury and property-damage liability
- Personal belongings cover
- Windscreen accidental-damage protection
- Door-lock replacement
- Replacement-car benefits in selected cases
- Roadside assistance options
- Optional coverage upgrades such as natural calamity protection, driver/passenger accident benefits, Oman extension, and rental-car support
This makes Fidelity a practical comparison option for drivers who want to evaluate coverage depth and optional benefits, not only the lowest premium.
Should You Buy Fidelity United Car Insurance?
Fidelity United may suit drivers who want broader everyday-use protection and more flexibility in optional benefits rather than choosing only based on the cheapest quote.
Fidelity may be a fit if you want… | Why it matters |
More practical add-ons | Fidelity highlights optional upgrades that can extend a standard policy beyond the basics. |
Flexible roadside support | Eligible quotes may offer different roadside-assistance package options. |
Theft-related convenience protections | Certain quote configurations may include benefits such as valet parking theft protection and door-lock replacement. |
Everyday-use protection | Personal belongings and windscreen-related benefits can matter in common real-life situations. |
Workshop upgrade options | Some eligible quotes may include a workshop-upgrade option such as Dyna Trade access. |
A balance between premium and feature depth | Fidelity can be worth comparing when you want stronger practical benefits without moving straight to the highest-priced plan. |
Fidelity Comprehensive vs Third-Party Car Insurance
The right Fidelity United policy depends on whether you want only legal third-party protection or coverage for your own vehicle as well.
The example below reflects the comparison scenario provided for a Toyota Corolla 2019 valued at AED 35,200. Premiums and available benefits can change based on driver profile, vehicle details, plan terms, and selected add-ons.
Feature | Fidelity Comprehensive | Fidelity Third-Party |
Example premium | AED 1,600 | AED 949 |
Third-party bodily injury | Covered | Covered |
Third-party property damage | Covered up to AED 2M in the compared quote | Covered up to AED 2M in the compared quote |
Damage to the insured vehicle | Covered | Not covered |
Fire and theft | Included in the compared quote | Not covered |
Natural calamity cover | Included in the compared quote | Not highlighted |
Windscreen protection | Included in the compared quote | Not covered |
Personal belongings cover | Included in the compared quote | Not covered |
Valet parking theft | Included in the compared quote | Not covered |
Workshop repair | Included | Not applicable |
Best for | Drivers wanting broader protection for their own car | Drivers seeking mandatory legal cover at a lower premium |
Fidelity vs RAK vs Al Sagr Prices: Third-Party Car Insurance
Third-party car insurance is often chosen by drivers looking for the legally required minimum cover at a more accessible premium. But comparing only the price can be misleading. Personal accident benefits, ambulance services, roadside support, and additional protections can change the practical value of a policy.
The sample comparison below is based on the quote scenario provided for a Toyota Corolla 2019 valued at AED 35,200. Premiums and benefits may vary by driver, insurer underwriting, vehicle details, and selected add-ons.
TPL Comparison Point | Fidelity United | RAK Insurance | Al Sagr | How to interpret it |
Basic premium | AED 949.5 | AED 1,300 | AED 900 | Starting premium before optional add-ons |
Third-party bodily injury or death | Covered | Unlimited | Covered | Liability protection for injury or death claims |
Third-party property damage | Up to AED 2M | Up to AED 2M | Up to AED 2M | Damage caused to another vehicle or property |
Driver personal accident benefit | Included | Included | Included | Financial protection for driver injury or death |
Passenger personal accident benefit | Included | Included | Included | Passenger compensation protection |
Family personal accident benefit | Not highlighted | Included | Not highlighted | Additional family-oriented protection |
Employee accident benefit | Not highlighted | Included | Not highlighted | Relevant for users with employees or drivers |
Ambulance services | Included | Included up to AED 6,770 | Included | Emergency medical transportation |
Roadside assistance | Optional Bronze / Gold / Premium tiers | Included up to 3 tons | Not specifically highlighted | Useful for breakdowns and towing |
Oman / Orange Card cover | Not highlighted | Optional Annual Orange Card | Not highlighted | Useful for Oman driving |
Extra optional benefits | Strong roadside flexibility | Broad protection structure | Simpler structure | Helps compare value beyond price |
Best-fit direction | Practical add-ons | Broadest TPL protection | Lower-cost traditional option | Depends on driver priorities |
Comparing only the premium can hide important coverage differences. Review Fidelity United, RAK Insurance, and Al Sagr side by side before choosing your third-party policy online.
Fidelity vs RAK vs Al Sagr Prices: Comprehensive Car Insurance
Comprehensive car insurance should not be judged by premium alone. Differences in roadside assistance, replacement vehicles, theft-related protection, workshop options, and accident benefits can meaningfully change the real value of a policy.
The sample comparison below uses the provided example of a Toyota Corolla 2019 valued at AED 35,200. Actual premiums, insured value, and available benefits can vary by vehicle, driver profile, selected plan, and quote date.
Comprehensive Comparison Point | Fidelity United | RAK Insurance | Al Sagr | How to interpret it |
Basic premium | AED 1,600 | AED 1,805 | AED 2,800 | Compare overall value, not just price |
Vehicle value covered | AED 35,200 | AED 31,633 | AED 35,200 | Total-loss or theft valuation in the compared quote |
Repair type | Workshop | Workshop | Workshop | Insurer-approved repair routing |
Own damage cover | Included | Included | Included | Core comprehensive protection |
Fire and theft cover | Included | Included | Included | Vehicle theft and fire protection |
Third-party property damage | Included, up to AED 2M | Up to AED 3.5M | Up to AED 2M | Liability protection against damage to others |
Third-party bodily injury | Included | Unlimited | Unlimited | Injury liability protection |
Natural disaster cover | Included | Included | Included | Flood or storm-related protection where applicable |
Windscreen cover | Included | Up to AED 2,000 without excess | No excess up to AED 3,500 | Useful for common glass-damage claims |
Emergency medical expenses | Not specifically highlighted | Up to AED 5,000 | Up to AED 2,000 | Accident-related medical support |
Ambulance services | Included | Up to AED 6,770 | Included | Emergency transportation support |
Driver accident cover | Optional, +AED 120 | Included | Not specifically highlighted | Driver injury or death support |
Passenger accident cover | Optional combined cover | Included | Included | Passenger protection |
Family personal accident cover | Not highlighted | Included | Not highlighted | Family-oriented protection |
Personal belongings cover | Included | Included up to AED 5,000 | Not highlighted | Eligible belongings inside the vehicle |
Door-lock replacement | Included | Included up to AED 5,000 | Not highlighted | Theft or lost-key related support |
Valet parking theft | Included | Included | Not highlighted | Theft protection during valet parking where applicable |
Roadside assistance | Optional Bronze / Gold / Premium | Included UAE & Oman | Not specifically highlighted | Convenience and towing support |
Replacement vehicle | Optional | Courtesy-car cashback included | Available on eligible plans | Rental or replacement support |
Workshop upgrade option | Optional Dyna Trade upgrade | Not highlighted | ASNIC garages only | Repair-network flexibility |
GCC / Oman cover | Not highlighted | GCC own-damage + Orange Card | Oman / Orange Card on eligible plans | Important for regional driving |
Off-road coverage | Not highlighted | Included for 4x4 vehicles | Not highlighted | Relevant for SUV or 4x4 owners |
New-car replacement | Not highlighted | Included up to 6 months | Not highlighted | Useful for newer vehicles |
Excess / deductible | Not highlighted | Not specifically highlighted | AED 700 per accident | Out-of-pocket claim cost |
Best-fit direction | Practical daily-use benefits | Broadest overall protection | Traditional insurer structure | Depends on driver priorities |
The cheapest policy is not always the most practical one. Compare Fidelity United, RAK Insurance, and Al Sagr comprehensive plans side by side before buying online.
Which Insurer Should You Choose: Fidelity, RAK, or Al Sagr?
The best insurer depends on your car, budget, coverage expectations, and which practical benefits matter most to you. Comparing roadside support, repair flexibility, policy add-ons, and accident benefits side by side is usually more useful than focusing only on the premium.
Your priority | Likely direction |
Lowest comprehensive premium in the sample comparison | Fidelity United |
Broadest overall protection in the sample comparison | RAK Insurance |
Practical everyday-use benefits | Fidelity United |
Oman / GCC driving | RAK Insurance |
Most customizable roadside-assistance setup | Fidelity United |
Family-oriented protection | RAK Insurance |
Natural-disaster protection | All three in the sample comparison |
Personal-belongings protection | Fidelity United or RAK Insurance |
Workshop flexibility | Fidelity United |
Traditional insurer structure | Al Sagr |
Lower TPL premium in the sample comparison | Al Sagr |
Highest third-party property-damage limit | RAK Insurance |
Off-road SUV coverage | RAK Insurance |
Theft-related convenience benefits | Fidelity United |
Fidelity United Benefits and Add-ons
Fidelity’s strongest selling point is not a generic “best insurer” claim. It is the insurer’s practical, modular coverage structure. The value becomes clearer when users look at the everyday benefits and optional protections available around the core policy.
Third-party liability: Covers injury or property damage caused to others, subject to policy terms and limits.
Own-damage cover: Protects the insured vehicle against covered loss or damage under comprehensive plans.
Fire and theft cover: Covers eligible fire or theft-related damage where included.
Natural calamity cover: Can cover eligible flood, storm, hurricane, or earthquake-related damage when added or included.
Windscreen protection: Helps with eligible accidental windscreen damage, depending on plan terms.
Personal belongings cover: Covers eligible belongings inside the vehicle in applicable plans.
Valet parking theft cover: May be included in selected comprehensive quote configurations.
Door-lock replacement: Supports eligible lock replacement after theft or damage where included.
Roadside assistance options: Roadside support may be available in different tiers depending on the selected quote.
Replacement vehicle option: Rental or replacement-car support may be available in selected situations or as an add-on.
Dyna Trade workshop upgrade: Eligible Lookinsure quote configurations may offer an optional workshop upgrade.
Driver and passenger accident cover: Additional financial protection for occupants where selected.
Oman own-damage extension: Optional geographical extension for own-damage cover in the Sultanate of Oman.
Orange Card: Optional third-party geographical extension to GCC countries where offered.
Fidelity Car Insurance Exclusions
Like any motor insurance policy, Fidelity United car insurance is subject to exclusions, policy conditions, and insurer approval rules. The exact exclusions depend on the selected plan, but buyers should expect limitations in situations such as the following:
Exclusion area | What it means |
Driving without a valid license | Claims may be rejected if the driver was not legally licensed. |
Driving under the influence | Alcohol- or drug-related incidents are typically excluded. |
Intentional damage | Deliberate loss or damage is not covered. |
Unauthorized modifications | Undeclared or unapproved vehicle modifications may affect claim validity. |
Mechanical wear and tear | Routine deterioration or maintenance issues are not insurance claims. |
Commercial misuse | Private car policies may not apply to commercial use. |
Incidents outside covered geography | Claims outside approved territorial limits may not apply unless the right extension was selected. |
Unapproved off-road use | Off-road incidents may be excluded unless specifically covered. |
Own damage under TPL | Third-party liability insurance does not cover damage to the insured vehicle. |
Note: Always review the live quote card, policy wording, and insurer terms before purchase.
Documents Required to Buy Fidelity Car Insurance
Documents may vary depending on vehicle status, insurer checks, and the selected policy type. In most cases, buyers should be ready with the following:
Situation | Documents commonly required |
Existing car | Emirates ID, UAE driving license, Mulkiya |
New car | Emirates ID, UAE driving license, vehicle details |
Ownership transfer | Transfer-related documents if required by the insurer or transaction type |
How to Buy Fidelity United Car Insurance Through Lookinsure
Buying Fidelity United car insurance through Lookinsure is designed to keep the selection process comparison-led and online.
How to Renew Fidelity Car Insurance Online
Using Lookinsure's online platform, you can complete Fidelity United car insurance renewal in only a few minutes. All you will need to do is:
Go to our main webpage
Click on "Get Quotes"
Select the first option which is "Renew"
Enter your information either manually by your car's make and model or using your chassis number which is far easier and more straightforward.
- Modify your policy or just proceed straight to payment.
- Make payment either in installment or all at once
Pay Fidelity United Car Insurance in Installments
Eligible Fidelity United car insurance policies purchased through Lookinsure may support payment in 4 installments with Tabby or Tamara, subject to provider approval and checkout terms.
Using the example Toyota Corolla 2019 quote from the comparison above:
Example policy price | First payment | Remaining payments |
AED 949.5 third-party quote | AED 237.38 | 3 × AED 237.38 |
AED 1,600 comprehensive quote | AED 400 | 3 × AED 400 |
Note: Your policy is immediately activated after making the first payment.
How to Make a Fidelity Car Insurance Claims
If you need to submit a motor claim, Fidelity United directs customers to begin the process through its official claims channels. The insurer states that Fidelity insurance claim registration can be started through its website or by calling 800 842. To register a motor claim, Fidelity requests:
- Police report
- Valid vehicle registration card
- Valid driving license
Fidelity’s official motor-claims process follows this path:
Stage | What happens |
Claim registration | Submit the claim through Fidelity’s website or contact the insurer by phone. |
Vehicle drop-off | The vehicle is taken to an approved workshop from Fidelity’s network. |
Repair estimate | The workshop prepares a repair estimate. |
Vehicle inspection | Fidelity surveys the car and issues repair authorization where approved. |
Work order | Repair begins and the customer is informed of the expected repair duration. |
Vehicle handover | The workshop notifies the customer when the vehicle is ready. |
For claim registration details, use Fidelity United’s official motor insurance claim page.
Fidelity Repair Network & Workshop Options
Repair routing depends on the selected policy, workshop option, and insurer approval. Fidelity’s official claims process directs customers to approved workshops in its repair network before repairs begin.
For users comparing Fidelity insurance quote UAE on Lookinsure, it is also worth checking whether the selected Fidelity plan includes or offers a workshop-upgrade option, such as Dyna Trade workshop access, where available.
Q: Can I choose any garage?
A: It depends on policy terms, insurer approval, and any selected workshop option.
Q: Is Dyna Trade workshop available?
A: It may be available as an optional upgrade on eligible quote configurations.
Q: Should repairs begin before insurer approval?
A: No. Repairs should follow Fidelity’s repair authorization process.
Q: Does workshop access depend on the policy?
A: Yes. Repair routing depends on plan terms and selected repair option.
Q: Are replacement vehicles available?
A: Replacement-car benefits may be available for a limited time on selected plans or add-ons.
Fidelity United Approved Garage List
Here’s a list of garages approved by Fidelity United Insurance for car repairs:
| Garage Name | Address | Phone Number |
| Al Kayed Workshop – Dubai | 128 2 A St – Al Khabaisi – Dubai – United Arab Emirates | +971 4 269 3333 |
| Emirates Transport – Luxury – Dubai | 79JM+H39 – Al Qusais Industrial Area – Al Qusais Industrial Area 1 – Dubai – United Arab Emirates | +97142180381 |
| Jahan Auto Repair – Dubai | 13th St – Umm Ramool – Dubai – United Arab Emirates | +971545155002 |
| Motor World – Dubai | 47 13th St – Umm Ramool – Dubai – United Arab Emirates | +971 4 286 3336 |
| Elite Motors – Abu Dhabi | Musaffah – M-11 – Abu Dhabi – United Arab Emirates | +971 2 550 1080 |
| Emirates Transport- Abu Dhabi | 1 – 10th St – Abu Dhabi – United Arab Emirates | +9718006006 |
| Rak Arabia Auto Repairs – Abu Dhabi | CF8W+J5R Airport Road – Shaikh Rashid Bin Saeed Al Maktoum Street, Umm Al Nar – near to Al Maqta’a Bridge – Rabdan – Abu Dhabi – United Arab Emirates | +971529084265 |
| Emirates Transport Workshop – Sharjah | 7GX9+5FX – Al Qarayen 3 – Sharjah – United Arab Emirates | +97165139862 |
| RAK Arabia Workshop – Sharjah | Area 17 – Beside Sharjah English School – University City – Sharjah – United Arab Emirates | +97165741422 |
| Emirates Transport – Fujairah | Al Hayl, Near to Traffic Department (Murror), Fujairah | (+971) 09 202 9154 |
| MK Motors – Fujairah | الصناعية – Al Hail – Fujairah – United Arab Emirates | +971 54 554 5553 |
| Emirates Transport Workshop – Ras Al Khaimah | V236+PRQ – Julfar – Ras al Khaimah – United Arab Emirates | N/A |
| RAK Arabia Auto Services LLC – Ras Al Khaimah | Sheikh Mohamed Bin Salem Rd – Al Dhait – Ras Al Khaimah – United | +971 7 227 5197 |
| Red Fox – Ras Al Khaimah | near Al Futtaim Honda – Al Dhait – Ras Al Khaimah – United Arab Emirates | +971567874777 |
| Emirates Transport Workshop – Ajman | 58 شارع الخيل – Al Jerf 2 – Ajman – United Arab Emirates | N/A |
| Motor World – Ajman | 9FGG+XVR – Amr Ibn El Aas St – Ajman Industrial 2 – Ajman – United Arab Emirates | N/A |
Fidelity United Contact Information
For official Fidelity United customer support, claims queries, or branch information, use the insurer’s own contact channels.
Customer care hotline: 800 842
Claims email: [email protected]
Customer care email: [email protected]
Office hours: Monday to Friday, 08:00 am to 05:00 pm
Website: Fidelity United official website
Dubai office: The Opus Tower, Block B, Office B703, Business Bay, Dubai, UAE
For the latest branch information and support details, refer to Fidelity United’s official contact page.
Frequently Asked Questions
